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Real-time payments

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Real-time payments

Our real-time payments service has been extended to include payments to BSB and account numbers.

The New Payments Platform (NPP) is an industry initiative in Australia to provide faster and easier payments across participating institutions. Using the Osko by BPAY® service, all payments between Qudos Bank and other participating institutions will be available in near real-time providing a better banking experience for our customers.

Whether you pay using a PayID or BSB and account number, all eligible payments will now be sent in real-time via the NPP platform.*

We encourage you to check your transaction history regularly as sometimes these payments may reject and need revised payee details, or simply a re-try. Any rejected transactions will appear at the top of your transaction listing within Online Banking or the App as a failed payment.

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Payments in a flash

All payments made using a PayID or BSB and account number (excluding scheduled transfers) will be sent in near real-time.* Real-time payments will be available 24/7 so you no longer have to wait 1-2 days for your funds to appear.

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Safety & Security

We have a range of tools that monitor for unauthorised transactions, so you may receive a call to confirm your transaction, or in the event we notice suspicious account activity.

It’s important you take additional care when setting up payees and making payments, as most payments will take place in real-time.

When making a payment to a PayID, the PayID name will be displayed letting you check the payee before confirming the payment. In addition, we have introduced rejected payment notifications via email and SMS to inform you if an NPP transaction happens to fail and can be re-processed via Direct Entry (EFT). You’ll also receive a push notification if you have them turned on.

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Simplifying Payments

If you need to receive a payment, you now have two options – continue to give out your BSB and account number or, if you find that difficult to remember, you can set up and use a PayID, the choice is yours.

*Where the receiving financial institution is enabled for NPP. Where a receiving financial institution isn’t enabled on the NPP platform to accept instant payments you will receive a notification that the instant payment can’t be processed and that your payment will be delivered via standard payment methods. The standard payment platform (Direct Entry) could take between 1-2 business days to transfer funds depending on the institution.

Registering your PayID

Qudos Bank App

  1. Log into the Qudos Bank app and select the menu button
  2. Select "Manage PayIDs" in the menu
  3. Select "Create PayID"
  4. Follow the prompts

Online Banking

  1. Log into Online Banking and select accounts
  2. Select "Manage PayIDs"
  3. You will then be asked to request a code, select validate once you have typed in your code
  4. Select "Create PayID" and follow the prompts.

How to make a payment using PayID

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Log into the Qudos Bank app or Online Banking

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In the menu select Pay > Pay someone

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Select New payee > PayID

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Follow the prompts to make your payment.

Frequently Asked Questions

For more related frequently asked questions, visit our FAQs page.

A payment was made using PayID, but it hasn’t arrived in my account?
Are there fees charged for registering a PayID?
Can I choose if I want my payments to go through the New Payments Platform?
Can I have multiple PayIDs linked to the same account number?
Can I register PayID to international email addresses?
Can I register PayID to international mobile numbers?
Can another person link my PayID to their account?
Can someone else set up a PayID using my information?
Does PayID replace BSBs & account numbers?
Does it cost me anything to use PayID?
How do I cancel my PayID?
How do I lock a PayID?
How do I pay someone using PayID?
How do I register for PayID?
How do I transfer a PayID?
How do I unlock a PayID?
How safe is using real-time payments?
I made a mistake inputting a PayID and paid the wrong person, what do I do?
I processed a payment through PayID, but it hasn’t gone through?
I've made a mistaken payment, what do I do?
Is there a transaction limit for PayID?
My PayID is being used by another person, what should I do?
What are Real-time payments?
What are the features of the New Payments Platform?
What happens if I close the account my PayID is linked to?
What happens if my real-time payment is rejected?
What if the receiving bank doesn’t use the New Payments Platform?
What is Osko?
What is PayID?
What is the New Payments Platform?
What other safety precautions are Qudos Bank implementing?
Where can I use my PayID ?
Which Qudos Bank accounts have access to PayID?
Which Qudos Bank accounts process payments in Real-time?
Will my PayID be automatically created?

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Important Information

PayID Terms and Conditions apply

BPAY is a registered trade mark of BPAY Pty Ltd ABN 69 079 137 518.

The advice on this website has been prepared without considering your objectives, financial situation, or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Please consider the Terms and Conditions for Savings Accounts and Payment Service applicable to Visa Debit cards. Please consider our Financial Services Guide. Credit Card applications are subject to credit approval. Full terms and conditions will be included in our loan offer. Fees and charges apply.